DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION

Debt Collectors' New Credit Reporting Policy Shortens Time for Negative Credit Information on Consumers' Credit Reports Encore Capital Group, Inc. announced a change in its credit reporting policies for consumers.  Encore's subsidiaries include: Midland Credit Management; Midland Funding, Asset Acceptance; Atlantic Credit & Finance. According to the Encore press release, "A significant challenge with current [...]

OCWEN’S MOTION TO DISMISS FCRA CLAIMS DENIED

Owen's Motion to Dismiss FCRA Claims Denied A federal court denied Owen's Motion to Dismiss the plaintiff's claims under the Fair Credit Reporting Act (FCRA). Polvorosa v. Allied Collection Services, et al, U.S.D.C Nev. Jan. 3, 2017 Facts:  The plaintiff Polvorosa, alleged that the defendants violated the Fair Credit Reporting Act (FCRA).  In 2011, the [...]

CFPB TAKES ACTION AGAINST EQUIFAX AND TRANS UNION CREDIT BUREAUS

The Consumer Financial Protection Bureau (CFPB) took action against Equifax, Trans Union and their subsidiaries for deceiving consumers about the usefulness and actual cost of credit scores sold to consumers.  According to the CFPB papers, Equifax and Trans Union also lured consumers into costly recurring payments for credit related products with false promises. The CFPB ordered [...]

ADKINS FIRM OPENS SHOP IN HOUSTON, TEXAS

It's official!  The Adkins Firm has opened its Houston, Texas office.  The office is located in Houston's uptown district in the Williams Tower.  The office is easily recognized across the skyline as it is the 4th tallest building in Texas.  The Adkins Firm is located at 2800 Post Oak Blvd., Suite 4100, Houston, Texas 77056, [...]

CFPB KEEPS ENFORCEMENT POWER

The U.S. Court of Appeals for the District Court of Columbia held the Consumer Financial Protection Bureau (CFPB) can keep its powers.  On October 11, the court of Appeals held that while the CFPB's single director director removable only for cause structure is unconstitutional,  other portions of the statute authorizing the CFPB are constitutional.  In PHH Corp. [...]

How Do I Freeze My Credit Report?

Stop ID theft - add a credit freeze to your credit file.

ADKINS FIRM COMING TO HOUSTON, TEXAS

The Adkins Firm is expanding again.  With offices in Alabama and Texas, the Adkins Firm is expanding into Houston, Texas and South Texas.  "Texans need help.  The Adkins Firm is filling a need for identity theft victims, especially in the Houston and South Texas areas," says Micah Adkins, founder of the Adkins Firm.  Adkins says, [...]

MICAH ADKINS RECOGNIZED BY SUPER LAWYERS AS MID SOUTH RISING STAR FOR 2016

Super Lawyers recognizes lawyers for performance based on peer recognition. Through the selection process, Super Lawyers identifies candidate either 40 years old or younger or in practice for 10 years or less. All attorneys go through the Super Lawyers selection process. Those who are not selected to the Super Lawyers list, but who meet either one of [...]

WENDYS DATA BREACH – WHERE’S THE BREACH?

Wendy's launches investigation into data breach after customers complain of fraudulent charges on credit and debit cards.

COMMUNITY HEALTH SYSTEMS (CHS) DATA BREACH EXPOSES MILLIONS OF PATIENTS’ PERSONAL IDENTIFYING INFORMATION (PII)

CHS Data Breach Puts Patients At Risk for ID Theft in Georgia, New Jersey, South Carolina and Tennessee Community Health Systems (CHS) was the target of at least two cyber attacks originating from China in April and June of 2014. The Tennessee-based healthcare organization, which owns, operates, and leases almost 200 hospitals across 29 different states1, confirmed that confidential, [...]